Fidelity National Financial (FRA:F1EF) Moat Score: 7/10 (As of Jul. 12, 2026)


FRA:F1EF Fidelity National Financial Inc FRA:F1EF
72 GF Score
Price €42.60
GF Value €49.01
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Fidelity National Financial Moat Score?

Fidelity National Financial FRA:F1EF 72 Moat Score is 7 as of Jul. 12, 2026. GuruFocus rates FRA:F1EF with a GF Score™ of 72/100 and a GF Value™ of €49.01 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 597 Insurance companies, Fidelity National Financial ranks better than 98.99% on this metric.

Fidelity National Financial has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Fidelity National Financial has Wide Moat: Fidelity National Financial Inc possesses a wide moat due to its dominant market share in title insurance, significant customer switching costs, and regulatory barriers. Its strong brand and distribution network further solidify its competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Fidelity National Financial might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Fidelity National Financial  (FRA:F1EF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Fidelity National Financial Moat Score Related Terms

FRA:F1EF vs AXS, FAF, ACT: Moat Score Comparison

For the Insurance - Specialty subindustry, Fidelity National Financial's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Fidelity National Financial Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Fidelity National Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Fidelity National Financial's Moat Score falls into.


FRA:F1EF
72GF Score
Fidelity National Financial Inc FRA:F1EF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 7 mean?
Fidelity National Financial (FRA:F1EF) has a Moat Score of 7 as of Jul. 12, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Fidelity National Financial ranks #6 out of 597 companies in the Insurance industry, placing it in the top 1%.
Is Fidelity National Financial's Moat Score too high?
Fidelity National Financial's current Moat Score is 7. Based on the distribution chart, Fidelity National Financial ranks #6 out of 597 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Fidelity National Financial has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Fidelity National Financial's Moat Score compare to AXS and FAF?
According to the Insurance industry distribution chart, Fidelity National Financial ranks #6 out of 597 companies for Moat Score. This places Fidelity National Financial in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Fidelity National Financial's current Moat Score is 7. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fidelity National Financial stock overvalued right now?
Based on GuruFocus' analysis, Fidelity National Financial (FRA:F1EF) is currently considered Modestly Undervalued. The stock's GF Value™ is €49.01, compared to a current price of €42.60 — trading 13.1% below its estimated fair value. The current Moat Score is 7. Fidelity National Financial's overall GF Score™ is 72/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Fidelity National Financial (FRA:F1EF), the current Moat Score is 7 as of Jul. 12, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Fidelity National Financial (FRA:F1EF) Overvalued in 2026?

Based on GuruFocus' analysis, Fidelity National Financial stock appears to be undervalued. The current stock price of €42.60 is trading 13.1% below its estimated GF Value™ of €49.01. GuruFocus considers Fidelity National Financial to be Modestly Undervalued.

Key valuation signals for FRA:F1EF:

  • Moat Score: 7
  • GF Value™: €49.01 vs. price of €42.60 (13.1% below fair value)
  • GF Score™: 72/100 with 4 warning signs

No single metric tells the full story. See the FRA:F1EF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Fidelity National Financial Business Description

Other Exchanges FNF:USA
Address 601 Riverside Avenue, Jacksonville, FL, USA, 32204
Fidelity National Financial Inc is a provider of (i) title insurance, escrow and other title-related services, including trust activities, trustee sales guarantees, recordings and reconveyances and home warranty and (ii) transaction services to the real estate and mortgage industries. It operates in three segments: Title, F&G, Corporate and Other. The title segment that derives the majority of revenue consists of the operations of title insurance underwriters and related businesses, which provide title insurance and escrow and other title-related services including trust activities, trustee sales guarantees, and home warranty products. All of the company's revenue is generated in the United States.
72GF Score

Get the complete analysis for FRA:F1EF

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€42.60
Price
€49.01
GF Value